Finance Factory

What Finance Factory does

Finance Factory, operated by Atlantic Business Consulting & Capital, LLC, is a privately held Maryland-based small business loan matching and referral platform founded in 2006. The company connects small business borrowers with a network of third-party Lending Partners — including banks, SBA lenders, alternative lenders, credit card issuers, equipment finance companies, and personal loan providers — across funding categories such as Startup Funding, SBA Loans, Business Lines of Credit, Equipment Financing, Real Estate Funding, Franchise Funding, Acquisition Funding, Merchant Cash Advances, Business Credit Cards, and Retirement/BDRAs. The company does not itself lend, make credit decisions, or underwrite; its role is explicitly administrative, facilitating the introduction between borrowers and lenders. Borrowers apply through the financefactory.com website via a single form (free, soft credit pull, no collateral for many products), and are then routed to funding specialists who match them to partner programs, with approval timelines ranging from 48 hours to 90 days depending on product.

The underlying technology is a web-based intake and referral platform with no proprietary algorithms, underwriting models, or AI-driven matching disclosed. Core distribution is driven by an SEO-optimized content library targeting multiple SMB verticals (restaurants, roofing, franchises, professional practices), supplemented by placement on third-party comparison platforms (LendingTree, Fundera, SuperMoney, Fiona, BL.com) and an agent/partner referral portal. Revenue is generated exclusively through referral and lead-generation fees paid by Lending Partners when borrower inquiries are connected, with the company explicitly reserving the right to share borrower PII with partners in exchange for compensation. The firm is small (11-50 employees), self-funded with no disclosed venture or private equity backing, and has facilitated over $2 billion in cumulative small business funding since inception while maintaining an A+ BBB rating and 4.9/5 Trustpilot score from 280 reviews.

Name

Finance Factory

Legal name

Atlantic Business Consulting & Capital, LLC

Website

https://financefactory.com

Company type

Private

Founded year

2006

Operating status

Operating

Headcount range

11–50 employees

Short description

Finance Factory is a Maryland-based SMB loan matching and referral platform, founded in 2006, that connects small business borrowers with a network of third-party lending partners across categories including SBA, equipment, franchise, and startup funding. Revenue is generated via referral fees from lending partners.

Ownership category

akta.pro rank

Product category

Small Business Lending Marketplace

NAICS

Mortgage and Nonmortgage Loan Brokers (52231), Activities Related to Credit Intermediation (5223)

SIC

Loan Brokers (6163), Miscellaneous Business Credit Institution (6159)

akta.pro primary industry

SBA/USDA Government-Backed Loan Intermediation (FSAEAEAI)

akta.pro secondary industries

SBA/Government-Backed & Development Finance Loans (FSAKAGAI), Merchant Cash Advance (MCA) & Revenue-Based Financing (FSAKAGAD)

Keywords

• Small business loans
• Loan matching platform
• SBA loan referral
• Equipment financing
• Startup funding

Headquarters

HQ city

Towson

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Marketing or Sales, Technology or R&D, Operations

Revenue model

1. Lead/Referral Fees from Lending Partners: Finance Factory generates revenue by receiving referral fees or compensation from the Lending Partners in its network when a borrower inquiry is submitted and connected to a lender. The Terms of Use explicitly state: 'Finance Factory reserves the right to disclose your PII, including your email address, without your notice or consent to our affiliated business partners or to any other third party or for any purpose permitted by applicable law. Finance Factory may be compensated for such disclosure.' The Privacy Policy similarly notes that PII may be shared with Lending Partners and that the company may be compensated. The company is not itself a lender or creditor and does not make loans or credit decisions. Revenue is therefore derived from referral/lead generation fees paid by Lending Partners in exchange for connected borrowers.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels6 records

Core offering

Finance Factory operates as a loan matching and referral platform connecting small business borrowers with a network of third-party Lending Partners, including banks, credit unions, alternative lenders, SBA lenders, credit card companies, and personal loan providers. The company is not itself a lender or creditor; it provides an administrative matching service via a single online application that pre-qualifies borrowers and routes them to suitable Lending Partners for products such as startup funding, SBA loans, business lines of credit, equipment financing, real estate funding, merchant cash advances, franchise funding, and acquisition funding.

Product overview

Finance Factory operates as a small business funding marketplace and lending intermediary, connecting entrepreneurs with a network of Lending Partners to access various financing options. The platform offers a portfolio of funding products including Startup Funding (up to $350,000 unsecured with 0% intro rates), SBA Loans (government-backed with 6.75-8.5% rates), Business Lines of Credit (up to $500,000 non-SBA), Equipment Financing (up to 100% of equipment cost), Personal Loans (3-7 year terms), Merchant Cash Advances, Franchise Funding (up to 25 years), Acquisition Funding ($25K-$500K), Real Estate Funding, Retirement/BDRAs, and Business Credit Cards (up to $100,000). The platform also provides Loan Calculators as supporting tools. Finance Factory acts as an administrative service connecting borrowers with lenders, not as the lender itself.

Differentiator

Problem solved

Functional benefit

Products and services

• Startup Funding Loan product designed for early-stage businesses with minimal operating history, including business credit cards, personal loans, and lines of credit. Provides up to $350,000 in unsecured loans with 0% interest rates for up to 21 months.
• Business Lines of Credit Revolving credit facility for businesses that provides access to funds as needed, with credit limits up to $500,000 for non-SBA lines. Interest is charged only on the amount drawn, not the total credit limit.
• Business Credit Card Funding Business credit cards offering 0% introductory rates for up to 18 months, with funding amounts up to $100,000 based on personal credit only. Helps establish business credit scores without requiring bank statements or prior revenues; minimum credit score of 700 required.
• Personal Loans Unsecured personal loans with fixed interest rates offered by banks, alternative lenders, or credit unions, with monthly payments and terms of 3, 5, or 7 years. Require no collateral or down payments.
• Unsecured Business Funding Business funding that does not require collateral, allowing entrepreneurs to access capital based on creditworthiness and business potential through partner lenders.
• Retirement Funding Business Directed Retirement Account (BDRA) financing that allows investors to deploy retirement assets directly into a new business without penalties or taxable distributions.
• Real Estate Funding Financing for residential investment or investor/owner-occupied commercial real estate properties, including small balance commercial, conventional, and bridge loan programs with Stated, Lite-Doc, and No-Doc documentation options.
• Equipment Financing & Leasing Financing for up to 100% of new or used equipment, including tools, appliances, computers, vehicles, and other business equipment, where the equipment itself serves as collateral.
• SBA Loans Loans backed by the U.S. Small Business Administration with guarantees up to 85% of the loan amount, offered through partner banks and certified lenders, with rates of 6.75% to 8.5% and repayment terms of 10 to 25 years.
• Merchant Cash Advances Lump-sum payments to businesses in exchange for a percentage of future credit/debit card sales, characterized by shorter payment terms and smaller payments compared to traditional bank loans.
• Franchise Funding Creative loan structures for franchisees with terms up to 25 years and rates from 6.25% to 7.25%, featuring fast in-house approvals through partner banks with streamlined documentation and closing processes.
• Acquisition Funding Business acquisition financing ranging from $25,000 to $500,000 for purchasing existing businesses, with minimum credit requirements of 700+, soft credit pulls, and approvals in as little as 48 business hours with zero upfront costs.

Quantifiable outcome

• Over $2+ Billion in small business funding facilitated since 2006
• +4 more outcomes

Segments7 records

Ideal customer profiles7 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Six partnerships are on record, tiered core and minor.

• LendingTreecoreGTM or Marketing PartnerFinance Factory is featured/ranked as a top startup funding expert on LendingTree's platform. LendingTree is a leading online lending marketplace that connects borrowers with multiple lenders. This partnership provides Finance Factory with referral traffic and credibility through LendingTree's brand recognition, while Finance Factory serves as a funding expert within the LendingTree network.
• FunderaminorGTM or Marketing PartnerFinance Factory is featured on Fundera, a small business loan comparison platform. Fundera matches small business owners with lenders and financial products, and includes Finance Factory as one of its listed funding sources.
• SuperMoneyminorGTM or Marketing PartnerFinance Factory is listed on SuperMoney, a financial product comparison platform. SuperMoney provides comparison tools for various financial products including business loans, and features Finance Factory as a funding option.
• FionaminorGTM or Marketing PartnerFinance Factory is featured on Fiona, a financial services comparison platform that helps users find and compare financial products including business loans and startup funding options.
• BL.comminorGTM or Marketing PartnerFinance Factory is listed on BL.com (Bankrate/LendingTree subsidiary), a financial product comparison and marketplace platform, where it appears as a featured business funding source.
• Better Business Bureau (BBB)coreGTM or Marketing PartnerFinance Factory maintains BBB accreditation with an A+ rating. The BBB seal is displayed on the website as a trust signal. BBB accreditation requires adherence to BBB standards for truth and transparency in advertising and business practices.

Scale indicators3 records

Recent moves5 records

Expansion highlights3 records

Direct peers

• Biz2Credit: Biz2Credit operates an SMB loan marketplace offering SBA loans, lines of credit, and working capital products — directly comparable in target customer, product mix, and broker business model.
• Fundbox: Fundbox offers working capital lines of credit and invoice advances to small businesses — overlapping with Finance Factory's lines of credit and revenue-based loan products.
• SmartBiz: SmartBiz is an SBA-focused online loan marketplace that connects small businesses with SBA-preferred lenders — directly comparable to Finance Factory's SBA loan intermediation product line.
• Lendio: Lendio operates a small business loan marketplace connecting borrowers with a network of lenders across SBA, MCA, lines of credit, and equipment financing — a near-identical business model to Finance Factory with similar target segments (startups, restaurants, franchises).
• National Funding: National Funding provides working capital, equipment financing, and small business loans directly to SMBs — a comparable alternative lender focused on similar verticals (restaurants, retailers, service businesses).
• Fundera: Fundera (owned by American Express) is an SMB loan broker that matches small business owners with bank, SBA, and alternative lenders — overlapping heavily with Finance Factory's products and target borrower segments.
• SuperMoney: SuperMoney is a financial product comparison platform featuring business loans, personal loans, and credit cards — a directly comparable SMB loan comparison/marketplace where Finance Factory is already listed as a featured partner.
• CAN Capital: CAN Capital is an SMB-focused online lender specializing in working capital, MCA, and small business loans — comparable product mix and target borrower segment as Finance Factory's MCA and unsecured funding lines.
• Accion Opportunity Fund: Accion Opportunity Fund is a nonprofit CDFI providing small business loans and capital to underserved entrepreneurs — overlapping with Finance Factory's startup and low-credit-score borrower segments.

Broad incumbents

• LendingTree: LendingTree is a public, scaled loan marketplace spanning consumer, mortgage, and SMB lending — Finance Factory is featured on its platform, and LendingTree is both a distribution channel and a much larger broad-incumbent competitor.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xx.com/financefactormd

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Finance Factory